Expenses include room rent; nursing and boarding charges are covered to a maximum of 1% of sum insured to a limit of 3000 INR.
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs are covered.
Ambulance charges for emergency transportation to hospital up to 750 INR per hospitalisation and overall up to 1500 INR.
Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
Post-hospitalisation paid as lump-sum up to7% of hospitalisation and maximum of 5000 INR.
Specified Day-Care procedures covered
Non Allopathic treatment up to 25% of sum insured up to a limit of 25000 INR.
HIV positive persons are also eligible However, the CD 4 count at the time of entry is above 350 (proof to be produced). Hospitalization for any opportunistic infections is not covered.
No pre-acceptance medical screening.
Misrepresentation, fraud, moral hazard or non-cooperation on behalf of the insured might lead to cancellation of policy making way for appropriate refund.